Unhappy and dissapointed client

Am the client of outsurance from December 2018 , the agreement with them was my excess fee is 500,and 2019 the premiums are up and my excess fee was 520, Now when I did the claim of a TV that 7500 and decoder of 750, due to lightining they say my excess is 4000, something that I never knew about, even their sales lady on Monday 10/01/2022 she didn't tell me about that and I didn't even get any notification informing me about the increase of excess. Now when they suppose to replace my TV and decoder, they tell me stories of this excess fee that I don't know anything about. Poor explanation and 0 rating. Outsurance is a reaping off clients, how can u pay excess fee of cost price of the item u claiming for. They say they send me email on 26 December during holidays when the knew that it might happened that I will be on leave.Am very unhappy and ****ed of and I wouldn't suggest anyone to sign up with them, cause no one asked for lightining to strike the contents,and my TV was on surge plug, whose problem is that lightining strike. And now they try to bribe me by giving back 4000 , where can I buy TV of 55 inch for that money. they don't gave me even the option of taking it back and repair it. What's the use of paying insurance if they cannot help u, asking this huge excess with the total of 2 items that 8000.i would never recommend this insurance to anyone I know, Even those who have. Beware that this is what happening in Outsurance. Am going to deal with them legal as we both know that I didn't sign up for this amount of excess fee, Imagine from 520 excess fee to 4000 which percentage rate is that, in the NCR policy are they don't review the premiums rates, and the amount of items u claiming. They jydt decide. What plusses me off the lady call Johanna Ralekwa when I called for claim, she didn't explain to me about the new amount of excess fee. As the person who was trained to do that to a client and she didn't who problem is that one, Even the email they say they send to me they didn't resend it so I can see if they did.